Suppose so. In my case they sent it to the bank for a response, which led to me getting a call from them telling me I could withdraw my money in cash. I think generally federal regulators work that way, where they send your complaint to the company you're complaining about first and wait for their response before they take any further action.

That was quick. I sent a complaint to CFBP last night and this morning everything was unlocked.

Finally got hit after very heavy load / unload. However when I called in they went down the path that others have reported wanting proof that it is you who is loading. (ID, SSN, VR receipt and copies of the VR).

This suggests to me that they are trying something new where instead of the old active for 48hrs to drain they instead want to show to any Federal audit that they have processes to demonstrate no laundering or terrorist money. If I'm right this will mean that MVD might become much more stable for MS once you've passed. We'll see.

Anyone had their account unfrozen this way and actually closed after emptying?

Did U use credit card? then its "credit card laundering"?
some terrorist have credit cards, Drivers L/c and SS # so asking before opening the account would be safer?
They want to know why are U loading /unloading and pay $1.95 + $3.95? that is suspicious ?

No. I think they want to check a box that says 'done due diligence' and then ignore.

does anyone know what the turnaround time is between using vanillareload.com to load the mvd and the time when the funds are there so you can make a purchase?
is it instantaneous?

I loaded a few VRs to MVD the other day. The funds were available immediately.

Thanks for the fast reply. The reason I ask is because I want to avoid the hassle of having a large amount of money tied up by the patriot act police. I think Im going to get a 5 dolla footlong and sit in the walmart subway loading my 4 VRs to my MVD and right when I'm done get up and get my MOs.

(then go back to finish my sammie, unless someone else saw me leave it behind and started gnawin on it, assumin i would not come back)

they can put the alert on my account when I have less than $100 in it.

it is nice to read that the consensus is that MVD is just trying to satisfy auditors/irs in freezing accounts by collecting more info, as opposed to netspend, who freezes your account because you are not using the card for "everyday spending" aka they are nickel and diming you into bankruptcy.

Note it is just speculation at this point

I think it's pretty accurate speculation. See this article (relevant quote about 1/3 of the way down, beginning with "We're setting up systems..."), for example. The link is about Green Dot, but I would expect all the prepaid companies to be following suit.

I have a temp card, ordered the permanent but have been able to load VRs to it. Went to WM to do MO/BP but it was declined. Wanted to try, ended up putting it on other card.

Did you set your pin?

When I signed up for the online account.

When I call in and enter the PIN I can access my account.

Pin only works on the permanent